Federal Bank Scapia Federal Bank credit card
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Scapia Federal Bank credit card

Lifetime free travel card: zero forex markup and unlimited domestic lounges on ₹10k monthly spend.

44
Personal score44/100● Weak fit
Recurring net savings₹5,573/yrafter fee, GST and caps · bills paid in full
First-year value₹5,573no welcome offer
Effective savings rate1.7%on ₹3,26,640 card spend · 6% = full marks
Annual fee (incl. GST)Free for lifeno fee, ever
Lounge access✈∞ domyou can use 2 of your visits
PersonaliseOfficial page ↗

Source: Scapia – Federal Bank Scapia Credit Card · last reviewed 2026-09-12

Estimates for Typical Indian cardholder (₹32k/month) example profile · bills paid in full · first-year offers shown separately.

Why it fits – and what to watch

hover any tile for the detail
₹4,133/yrBase rate 2% on other spends
₹0Lifetime free
2/2lounge visits covered
₹36,000earns nothing (fuel)

! Points are worth only ₹0.2 each – 5 coins = ₹1 on travel booked via Scapia app only.

Where the money comes from

₹5,573/yr · 1.7%
Base rate 2% on other spendson ₹2,06,640₹4,133
20% coins (4% value) on flights & hotels via…on ₹36,000₹1,440
Excluded categories (no rewards)on ₹84,000₹0

UPI QR spend is left out – not a RuPay card (UPI is counted once, on RuPay cards only).

How the score of 44 is built

weights total 100% · methodology
Net savings rate28/100 × 55%15.6
Usable lounge access100/100 × 15%15.0
Redemption flexibility40/100 × 10%4.0
Lifestyle fit0/100 × 10%0.0
Simplicity80/100 × 5%4.0
Fee safety100/100 × 5%5.0

Airport lounges with this card

Open Lounge Finder →
42airports in India
50lounges you can enter
Unlimiteddomestic · needs ₹10,000 spend per month
Noneinternational

How you get in: issuer programme (bank / operator app). Carry the card and a same-day boarding pass; at Delhi and Hyderabad validate in the Encalm HOI app, at Adani airports in the Adani LoungeOne app.

DEL Delhi 4 lounges
  • ✈T3 Encalm Lounge (T3 Domestic) Encalm · via issuer programme (bank / operator app) verified
  • ✈T3 Plaza Premium Lounge (T3 Domestic) Plaza Premium · via issuer programme (bank / operator app) verified
  • ✈T1 Encalm Lounge (T1) Encalm · via issuer programme (bank / operator app) verified
  • ✈T2 Encalm Lounge (T2) Encalm · via issuer programme (bank / operator app) verified
BOM Mumbai 3 lounges
  • ✈T2 Adani Lounge (T2 Domestic) Adani Airports · via issuer programme (bank / operator app) verified
  • ✈T2 TFS Lounge (T2 Domestic) Travel Food Services · via issuer programme (bank / operator app) check at desk
  • ✈T1 Adani Lounge (T1) Adani Airports · via issuer programme (bank / operator app) verified
BLR Bengaluru 2 lounges
  • ✈T2 080 Domestic Lounge BIAL · via issuer programme (bank / operator app) verified
  • ✈T1 Above Ground Level Lounge (T1) Travel Food Services · via issuer programme (bank / operator app) verified
MAA Chennai 2 lounges
  • ✈T1 Travel Club Lounge (T1) Travel Food Services · via issuer programme (bank / operator app) verified
  • ✈T4 Travel Club Lounge (T4) Travel Food Services · via issuer programme (bank / operator app) check at desk
HYD Hyderabad 2 lounges
  • ✈Main Encalm Lounge (Domestic) Encalm · via issuer programme (bank / operator app) verified
  • ✈Main Plaza Premium Lounge (Domestic) Plaza Premium · via issuer programme (bank / operator app) verified
IXA Agartala 1 lounge
  • ✈Main Agartala Airport Lounge Airport partner · via issuer programme (bank / operator app) check at desk
AMD Ahmedabad 1 lounge
  • ✈T1 Adani Lounge (Domestic) Adani Airports · via issuer programme (bank / operator app) verified
ATQ Amritsar 1 lounge
  • ✈Main Bird Lounge (Domestic) Bird Group · via issuer programme (bank / operator app) check at desk
AYJ Ayodhya 1 lounge
  • ✈Main Adani Lounge (Ayodhya) Adani Airports · via issuer programme (bank / operator app) check at desk
IXB Bagdogra 1 lounge
  • ✈Main Bagdogra Airport Lounge Airport partner · via issuer programme (bank / operator app) check at desk
BHO Bhopal 1 lounge
  • ✈Main Bhopal Airport Lounge Airport partner · via issuer programme (bank / operator app) check at desk
BBI Bhubaneswar 1 lounge
  • ✈T1 Bhubaneswar Airport Lounge Airport partner · via issuer programme (bank / operator app) check at desk

+ 30 more airports in the Lounge Finder.

Card facts

💳 Base earn2%value on eligible spend
⚡ Accelerated4% 20% coins on flights &…
🚫 No rewards onfuelrentutilitiesinsuranceeducation
🏷️ FeesLifetime free
🎁 Welcome (year 1)none
🏁 Milestonesnone
✈️ Lounge✈∞ dom🌏0 intlneeds ₹10,000/month · Unlimited domestic on ₹10k spend in previous month
🌏 Forex markup0%+ GST on the markup
🔁 Redemption₹0.2/Scapia Coins ★★☆☆☆5 coins = ₹1 on travel booked via Scapia app only.
🧩 Simplicity★★★★☆set and forget
🎯 Lifestylezero forexinsurance cover
🪪 EligibilityIncome ₹3L+/yr; digital onboarding

At a glance

  • 0% forex markup
  • Unlimited domestic lounges
  • No fee
  • Coins only redeem on Scapia travel
  • Lounge needs ₹10k prior-month spend
  • No international lounges

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Community Q&A on the Scapia Federal Bank

Threaded questions from cardholders · the Advisor can add a computed answer.

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Frequently asked questions

What is the annual fee of the Federal Bank Scapia Federal Bank?

It is lifetime free – no joining or renewal fee.

Does the Scapia Federal Bank give airport lounge access?

unlimited domestic/yr. Unlimited domestic on ₹10k spend in previous month. Access needs ₹10,000 spend per month.

How much can I save with the Scapia Federal Bank?

For our example profile (Typical Indian cardholder (₹32k/month)) the recurring net saving is ₹5,573 a year, an effective savings rate of 1.7% after the fee. Use Find My Card to see your own number – it depends on where you spend and which caps you hit.

What are the Scapia Federal Bank's reward exclusions and caps?

No rewards on fuel, rent, utilities, insurance, education. No monthly caps on the main earn rates.

Sources

Reviewed 2026-09-12. Point values are our realistic estimates – see methodology.